'3ds.php' is a script primarily associated with the 3D Secure protocol, which is a security measure implemented by credit card companies like Visa, Mastercard, and American Express to authenticate online card transactions. Here are detailed insights into '3ds.php':
The script is typically part of the checkout process in e-commerce websites. It acts as an intermediary to redirect the user to the bank's authentication page where they enter a password or a one-time passcode (OTP) to verify their identity.
It handles the redirection to the issuer's Access Control Server (ACS) for authentication. After authentication, it processes the response from the ACS to complete or cancel the transaction.
Developers use '3ds.php' to integrate 3D Secure into their payment gateways or shopping carts. This script communicates with the Payment Authentication Request (PARes) from the ACS to ensure that the transaction is authenticated.
It often includes functions to:
Ensuring the security of '3ds.php' is critical as it deals with sensitive payment information. It must comply with Payment Card Industry Data Security Standard (PCI DSS) requirements.
Security measures include secure communication (HTTPS), protection against man-in-the-middle attacks, and ensuring that the script does not store or log sensitive data.
The concept of 3D Secure was introduced by Visa as Verified by Visa in 2001, with other card networks following suit with their versions like Mastercard SecureCode.
The first version of 3D Secure was known as 3D Secure 1.0, which was later upgraded to 3D Secure 2.0 to improve user experience and security, offering more seamless integration with less friction in the checkout process.
EMVCo. (n.d.). 3D Secure.
PCI Security Standards Council. (n.d.). PCI DSS Requirements.